Car Rental and Insurance Excess Options

One of the most onerous and misunderstood aspects about car rentals today is the accident / insurance aspect of it. When you are renting a hire car the rental companies, almost without exception, will try, and sometimes very hard, to convince you that it is in your best interests to add on to the daily rental a collision damage waiver (CDW) cost. There are other names for it but they all mean exactly the same.

Firstly your common sense will tell you that if it is good for you, it can not also be good for the company at the same time. So, what goes on here? Well, most companies, because of their exorbitant insurance premiums are automatically forced to self insure their vehicles. That means that they bear any accident costs themselves and offset that with the "CDW". It is far cheaper for them to do this way way than pay the huge insurance premiums for every car. The CDW factor then does become extra profit for the companies in the main and that is why they seriously urge you to take it up. Incidentally, legally speaking, in Australia the precedents in law concerning accident liability is that it rests with the owner of the vehicle unless you are acting as an agent for the owner, and it would be very unusual for the hirer to be acting as an " agent "for the owner.

Therefore it does require a lot of consideration as to whether or not you pay the extra to reduce your liability. Emotionally it is far less stressful to take the excess reduction and not be driving around with a high excess that has been significantly inflated in order to convince you that the CDW is a good idea. Practically speaking though, it does not take long for the CDW costs to add up and amount to more than paying the excess in the unofficial event you have an accident. Therein lays the dilemma!

Many people are under the mistaken belief that their normal credit card insurance will cover them for any accident excesses. This is not always the case as in many instances you are not covered for the excesses if the car rental company has offered you excess reduction. This is a very important point and one in which you must be absolutely clear on with your credit card company insurance.

So when the time comes to make your car hire booking, all the afore said needs to be considered carefully and a decision made as to whether or not you will be taking the CDW. Rest assured the car rental company will be pressuring you, in their own interests, to avail yourself of their offer.

Now, when the inconvenience does happen and you are involved in a car accident, there are several things to consider. Firstly I would be approaching the other driver or drivers, regardless of who is at fault, with a view to obtaining their full particulars, including the name of their insurer. Apart from that you need their license number and be sure that it contains their current address. Of course a lot of things here will depend on the severity of the accident, the attitude of the other people and the locations of the accident ie is it a busy place and are you able to leave the cars at the scene? As soon as possible it is wise to contact the rental car company, taking careful note of who you spoke to and when, and seeking there requirements with regard to accident report forms, which are sometimes provided in the glove box of the hire vehicle. Of course the police need to be informed should the accident be serious enough, and unfortunately, this is not always easy to determine.

Most unfortunately along with the trauma of the accident you will probably now have to deal with several extremely competitive and aggressive tow truck drivers. Whatever happens under no circumstances should you allow them to touch your rental car unless you are directed to do so by either the police or the car hire company. All tow truck drivers / companies are paid a highly inflated rate for what is called a "police tow". This tow will absolutely have to be paid for by someone and that someone could be you. On top of that the tow truck driver / company also receives a commission from any panel beater that he delivers the car to with which he has an arrangement. The reason for his "keenness" to tow your vehicle! Once he has your car hire vehicle attached to his truck it is very difficult or impossible to get him to release the car.

From this point on you will need to work with the car rental company to sort through all the details and most importantly, what happens next! You will probably have to pay the excess at this point and then set about recovering it should you not have been at fault.

Good luck and hopefully this article has been of some help and not put you off car rental!



Source by Teresa Farren-Price

Where to Look For Car Detailing Jobs

Many people are hired to car detailing jobs and careers for the potential of high earnings and for the freedom many experience form having their own business.

While car detailing jobs vary from location, geography and the experience you bring to the table, most require developing skills that truly allow you to improve the appearance of the car. This can mean an understanding of how to properly wash and dry, to advance use of chemicals, polishes and waxes.

Most agree the trade is similar to an artist or craftsman developing a skill or craft often requiring an apprentice period to learn the ins and outs of the skill as well as how the business of car and auto detailing works.

Many who are interested can begin their careers working with professional detailing services. These companies often provide outsourced services to auto dealerships. These companies provide "make ready" services wheree pre-owned and new cars are prep'd for the dealers lot.

The list of requirements can range from simply removing travel protection (such as plastics and paper mats) to full details that include vacuuming, washing, waxing, wheel protection, and engine compartment cleaning.

Advanced services provided to dealers can also include headlight restoration, ozone cleaning, interior steam cleaning, and dent and paint repair. It is also common for dealers to provide car detailing services as an added service to its customers. Most of these are done in conjunction with servicing, collision, or repair services. The amount and type of services are commonly worked out between the detailing service and the dealer.

While not the most glamorous, detailer jobs can also be found at upper-end car washes. While many of us prefer just to have our cars washed, wiped down and discounted, a high margin detail is usually a customer option. For some this may be a good start if you are interested in car detailing, although the pay may not be as lucrative as if you work with a professional detailing company that generally pays on a commission or performance basis.

A third alternative is to start a mobile detailing company. Costs of entry are not too high, but there is lots of competition. Another downside is you are often left to developing skills on your own – not to mention the time, cost and effort needed for promoting your service.

Bottom line, if you are looking for a car detailing job, choose a professional detail service where you can learn the routes, get experience, and have an opportunity to learn from the ground up. While entry-level positions may only pay $ 15,000 – $ 18,000, senior detailers can as much as $ 80,000.



Source by T. Blake Faber

Finding the Best Towing Service

If it turns out that you find yourself in a situation where you recently ran out of gas on a public road or if your car happened to break down when you were not at all expecting it, then there is a good chance that you will be needing to find a good towing service in your area. A towing service is basically when you call in a company and they bring a truck with towing capability to drag your car down to the nearest place where it can be fixed or where the problem can be resolved. It would definitely be a good idea for you to have the contact information of various towing companies in your area on hand at all times so that if an accident happens you will be able to call the company instantly so that the situation can be fixed in a short amount of time. It is always better to have that contact number on hand just in case, even if you do not think you will ever need to use it in the foreseeable future.

As you take the time to learn a little bit more about the various towing services that are out there you will find it easier to make the right choice. Once you find a company that you really like things will be a lot easier for you and you probably will not want to choose any other company, provided that your experience with this particular one turned out to be good. There are a great deal of towing companies out there and some of them service only specific areas. Make sure that you have the contact information of any towing companies that you may need during your travels, as would be the case if you went on a long trip. You do not need to over think things but it can certainly be helpful to have options like that available every now and then.

If you go out of your way to find a good towing company then it will be very easy for you to ask for help when it turns out that you need it. Towing companies provide people with a very helpful service because if your car happens to break down and you need to have it taken to the nearest mechanic as quickly as possible, this basically solves your problem altogether. Then there is the issue of finding a good towing company to remove a car from a place that happens to be your property. If someone parked there and you do not want that car to be there, then calling a towing company is something that you can consider doing.

As you can see, there are a lot of reasons to have access to a good towing company in your area because you will want to make sure that there are some options available to you in the event that you ever need to have your car towed or someone else’s car towed as well.



Source by Jesse M Alexander

Recreation Vehicle Insurance – The Basics.

What is a recreation vehicle? Do I need to insure it?

The first questions to answer would be, what is a recreation vehicle and why would you choose to insure it.

A recreation vehicle is one that you would normally use to fun/relaxation. For example if you normally use your car to commute but on week-end drive a motorcycle then the motorcycle is considered to be a recreation vehicle. But on the other hand you use your motorcycle to go to work on hot days then the bike is no longer considered to be a recreation vehicle.

Some of the more common recreation vehicles are:

* Motorcycles

* Boats

* Snowmobiles

* Moto-cross bikes/trail bikes/Quad bikes

* ATV’s (All Terrain Vehicles) sometimes used for trail rides or hunting

* Travel Trailers

* Motorhomes

* Caravans

* Personal Watercraft (jet-skis, Inflatable and so on)

Do you need to get a recreation vehicle insurance?

In almost every case the answer is yes, the most common reason is because most good insurance company will not charge you a premium for using a vehicle from time to time. You are usually not penalised for having a recreation vehicle. In most cases a recreation vehicles is well looked after, and because, by definition, it is only used once in a while, most insurance company will offer some very low quotes.

But the other important reason is because most recreation vehicles are not used as often so the likelihood of something happening increases.

You must accept that you are not as familiar with that vehicle as you are with your everyday one. So the likelihood off an accident increases.

You should always check with your insurance company that your insurance is up to date; it is often easy to assume that a vehicle is covered for, say, 12 months when in fact it is only covered for 6 months.

You must also ensure that you are carefully following the policy, if your recreational vehicle is an RV, (Motor home or Caravan), does your license allow you to drive it?

Is the vehicle itself ‘legal’, (can it legally be used for the purpose you are insuring it for?)

Remember that is almost all cases, breaking the local laws will null and void the insurance policy.



Source by Simon Goodman